Indiegogo find upsell for crowdfunded projects

Ah, crowdfunding. It's great, but where's the profit for the clearing houses?

Perhaps in selling insurance.

Yes, IndieGoGo is experimenting with allowing crowdfunders the chance to purchase a PPI/Extended Warranty style product that will allow cash to be claimed back if a funded project fails to deliver.

Apart from the upselling aspect, there is surely a worry that if people working on projects are able to think 'well, the people who believed in me will get their money back if I don't deliver' that's going to lead to more, not fewer, abandoned projects and undermine the whole point of crowdfunding in the first place?